Are You Carrying The Right Auto Insurance? Do you have the proper coverage to protect yourself and your loved ones? Many people maintain only the minimum required insurance and think that they are fully covered. However, in the State of California, the minimums are quite low, with a minimum coverage of $15,000.00 per person and $30,000.00 per accident overall coverage. In a case of physical injuries, these minimums are almost always insufficient to pay for costly medical bills and someone with insufficient insurance can be liable for damages that exceed their coverage limits. In addition, most people think that insurance will pay for items like lost wages. These items are often not covered if the coverage paid for by the person who hit you is too low. Increasing your own coverage amounts is often affordable (premiums do not increase in direct proportion to the covered amount) and it is important to have under-insured and uninsured motorist coverage. This assures you that should you be injured by someone who carries either no insurance or a minimal policy that your insurance will cover damages above their policy. Since many people who do not carry insurance do not have reliable jobs, are good candidates for bankruptcy, or may simply disappear, you need to have your own coverage to make sure your bills are paid in case of an accident. It is important to do a review of your insurance policy and discuss these issues with your insurance agent. Understanding your coverage is the first step to making sure you are adequately protected in case of an accident. You can’t simply assume that if an accident is not your fault that all of your damages will be covered. Checking on your coverage and maintaining sufficient coverage to protect you and your family against accidents where you are at fault AND accidents caused by a third party is crucial.